The tax on high-cost health plans, which are often referred to as Cadillac plans, is expected to impact a considerable share of the plans provided by healthcare organizations for their own employees, as much as 39% by 2020. The implications are significant because the excess-benefits tax requires the employer to pay 40% on the value of the portion of the plan that exceeds thresholds set by the Patient Protection and Affordable Care Act. Employers also need to consider that the tax is measured as a direct function of plan cost, and not actuarial plan value, and that a number of factors can drive excise-tax exposure.
For a non-profit enterprise seeking to design effective investment portfolios for its asset pools, understanding the role of each of those asset pools is a crucial first step.
The organization's goals and exposures can impact all parts of its portfolio construction process, from initial broad decisions on risk tolerance to more targeted decisions on asset-class exposures and investment vehicle preferences.
In October 2013, S&P Dow Jones Indices (S&P DJI) launched the S&P Healthcare Claims Indices (the indices). This new index series is designed to provide an independent, timely measure of the changes in healthcare expenditures and utilization for individuals enrolled in commercial health insurance plans in the United States.
S&P DJI developed these new indices in conjunction with healthcare professionals at Health Index Advisors (HIA), a joint venture between the premier actuarial and consulting firms Aon Inc. and Milliman Inc. S&P DJI combined its knowledge and experience in developing leading indices with HIA’s experience in the healthcare market to develop the first index series of its kind, based on actual healthcare claims data. These indices seek to increase transparency in the healthcare market and enable the analysis and tracking of changes in healthcare expenditures.
Published By: Parallon
Published Date: Jun 15, 2015
Download the whitepaper to discover how to unlock value through three workforce strategies designed to address pressing needs for greater productivity, while supporting improved outcomes and patient satisfaction.
Published By: 3D Systems
Published Date: Aug 29, 2019
As a mold maker, you have probably experienced challenges with your current software including working with multiple solutions, inefficient mold design capabilities, poor technical support and many more.
By switching to an integrated CAD/CAM software that’s dedicated for mold design and manufacturing, you can reduce delivery times, improve tool quality and gain a competitive advantage.
Download this whitepaper to learn more about why you need an integrated solution, as well as the key elements to look for in a CAD/CAM solution.
Rehab programs will experience a major infux of medically complex patients, including those with neurological conditions, in the coming decades. The drastic increase is being spurred by an aging population. For instance, stroke prevalence is expected to rise by 21% by 2030, and more than 1.2 million citizens are projected to have Parkinson’s disease.
This leaves rehab leaders with one signifcant question: What can be done to prepare for the increase of medically complex patients? By evolving to meet the needs of this changing population, rehab programs can successfully meet the challenge, providing patients with the highest level of care while achieving greater performance standards.
In this whitepaper, we’ll examine the three areas that drive the greatest impact on treating medically complex patients: • Clinical staff • Tech innovation • Patient and family member experience
Published By: SAP Concur
Published Date: Sep 25, 2019
"Regardless of your organization’s industry, size, or location, travel and expense spend mistakes or fraud can have significant financial consequences. However, by establishing checks and balances to put you in control of employee spend, and making it easy for employees to comply with policies, you can mitigate, detect, and prevent losses due to accidental errors or fraudulent activities.
Download this tipsheet to find out how you can cultivate compliance to better protect your business today."
Research shows that legacy ERP 1.0 systems were not designed for usability and insight. More than three quarters of business leaders say their current ERP system doesn’t meet their requirements, let alone future plans 1. These systems lack modern best-practice capabilities needed to compete and grow. To enable today’s data-driven organization, the very foundation from which you are operating needs to be re-established; it needs to be “modernized”.
Oracle’s goal is to help you navigate your own journey to modernization by sharing the knowledge we’ve gained working with many thousands of customers using both legacy and modern ERP systems. To that end, we’ve crafted this handbook outlining the fundamental characteristics that define modern ERP.
Whenever personal data related to us is anonymized, it has been manipulated in such a way that it can no longer be linked back to us, right? Think again. In the digital era, we do not always blend into the crowd.
Location data is part of this equation because our mobility habits are unique to us. Techniques like anonymization offer service providers numerous ways to protect privacy while retaining enough data to be useful - the challenge is finding the right balance.
By reading this eBook, you’ll discover critical ways public and private organizations can help protect users’ privacy:
• Find out why de-identification does not always mean anonymity
• Understand how privacy by design can be used for standards and product or service creation
• Discover how gathering just data you need will minimize the privacy impact of collection
• Find out about new and emerging privacy-enhancing technologies
In September, leading insurance professionals joined TIBCO for an exclusive and interactive roundtable dinner. During the course of the discussion, it became clear that while AI will significantly alter the customer journey, a lot still needs to be done in terms of both defining AI's capabilities as well as acknowledging where it best fits in an insurance business, how it will impact the workforce and reinvent the customer journey.
The Insurance industry continues to undergo significant transformation, with
new technologies, business models, and competitors entering the market at an
increasing rate. To be successful in attracting and retaining the most valuable
customers, insurance companies must innovate and increase the speed at which
they respond to customer demands. Traditionally, the insurance software market
was dominated by a handful of specialist vendors with products that were initially
expensive, difficult to deploy, costly to maintain, and did not provide the speed
needed for today’s market.
Now there has been a shift away from these “black box” applications to platforms
that allow insurers to make their algorithmic IP available to business users, allowing
much faster response to business demands. The algorithmic platform approach also
comes at a fraction of the cost of black box solutions, while delivering advanced
analytical techniques like Machine Learning and Artificial Intelligence (AI).
As an insurer, the challenges you face today are unprecedented. Siloed and heterogeneous existing systems make understanding what’s going on inside and outside your business difficult and costly. Your systems weren’t set up to take advantage of, or even handle, the volume, velocity, and variety of new data streaming in from the internet of things, sensors, wearables, telematics, weather, social media, and more. And they weren’t designed for heavy human interaction. Millennials demand immediate information and services across digital channels. Can your systems keep up?
Banking engagement is about to come full circle. Over the past few decades, banks have pushed customers to digital and self-service channels, with significant consequences. As customers take their transactions from the branches to the digital channels, banking has become less and less personal. Will this trend continue? To predict the future let’s first review how we got here.
Published By: Two Sigma
Published Date: Sep 19, 2019
In this paper, we provide an overview of the Two Sigma Factor Lens, designed for
analyzing multi-asset portfolios and derived from returns of broad, liquid asset class
proxy indexes. This lens is intended to be:
• Holistic, by capturing the large majority of cross-sectional and
time-series risk for typical institutional portfolios;
• Parsimonious, by using as few factors as possible;
• Orthogonal, with each risk factor capturing a statistically
uncorrelated risk across assets;
• Actionable, such that desired changes to factor exposure can
be readily translated into asset allocation changes.
Finally, we discuss methods for constructing and assessing the Two Sigma Factor
Lens that can be extended to produce additional risk factors for new sub-assetclasses
or cross-sectional risks that may not currently be captured by the lens.1
This factor lens, and our ongoing work to expand it, form the foundations of the
One of the most significant areas of opportunity for contact center leaders to cut costs is to
leverage customer service bots to deflect calls. But today’s consumers have little patience for
conversational bots that can’t understand what they’re saying or don’t know how to provide an
Published By: Anaplan
Published Date: Sep 11, 2019
Faced with an increasingly crowded market, forward-thinking sales leaders are coming up with new ways to sell, and new strategies for pushing past the competition.
Anaplan for Sales is designed to empower your organization’s go-to-market strategy and help sales leaders make great decisions. In this paper, you’ll learn how:
Managing a go-to-market strategy on a single platform keeps your organization powerful and nimble.
A go-to-market strategy is a single entity, not just a collection of disparate parts.
Advanced technology helps sales leaders make smarter, more impactful decisions.
Amazon Web Services (AWS) offers scalable, cost-efficient cloud services that public sector customers can use to meet mandates, reduce costs, drive efficiencies, and accelerate innovation. The procurement of an infrastructure as a service (IaaS) cloud is unlike traditional technology purchasing. Traditional public sector procurement and contracting approaches that are designed to purchase products, such as hardware and related software, can be inconsistent with cloud services (like IaaS). A failure to modernize contracting and procurement approaches can reduce the pool of competitors and inhibit customer ability to adopt and leverage cloud technology.
Published By: SAP Concur
Published Date: Aug 07, 2019
"Companies need to provide a seamless experience for their road warriors who are traversing the globe in search of new clients, attending conferences, exploring new business opportunities and checking on projects.
The goal of automating the T&E function isn’t just to save the company time and money, although that is a significant consideration. With policies in place, companies can ensure that business travelers are adhering to allowances for meals, hotels and other travel-related expenses. Companies that establish clear policies for how employees can book and pay for travel — and which vendors to use — can negotiate discounts and rewards with hotels, rental car agencies and airlines.
In addition to the financial benefits of an expense management policy, employee satisfaction is also at stake. Creating a realistic travel policy that is clear, simple and easily accessible makes employees happy. A quick and hassle-free travel expense management process reduces traveler stress, enabling
Artificial Intelligence (AI) is arguably the greatest untapped resource to transform customer and business outcomes. The impact of this technology on customer experience, employee efficiency and profits is truly transformational—especially for contact centers.
Companies must adapt in today’s era of constant digital disruption, but that doesn’t necessarily mean exhaustive technology shifts. Small, practical investments in AI present little risk and offer significant returns. Learn about the ROI of CX transformation in AI for CX: Practical Investments, Proven Return.
More than a trend, AI is a customer experience transformation that you can’t afford to ignore. Discover the practical investments in AI that your contact center must consider today — and the truly significant returns on the horizon
Published By: Marketo
Published Date: Sep 03, 2019
Need a more significant ROI from your campaigns? Shift your thinking towards acquiring, retaining, and growing high-value accounts: companies or consumers that are high-yield and a better fit for your products or services.
New channels, strategies, & technologies now help organizations of all sizes to implement an account-based marketing (ABM) strategy.
Download Marketo's best-in-class Definitive Guide to Account-based Marketing and you'll learn:
How to identify, prioritize, and profile the right accounts
Creating a winning ABM strategy
Creating the right content
Which channels to leverage and how to coordinate them
How to measure, analyse & optimize ABM campaigns
What an ABM strategy that spans the entire customer lifecycle looks like in action
Tick-borne diseases such as Lyme disease, Rocky Mountain spotted fever, and ehrlichiosis are a significant concern for many thousands of workers who have frequent and unavoidable exposure to tick-infested habitats. Treatment of clothing with permethrin, a nontoxic chemical with insecticidal, knockdown, and repellent properties, is highly effective against ticks. However, most permethrin products must be reapplied after several washings to maintain insecticidal activity.
Recently, a factory-based method for long-lasting permethrin impregnation of clothing has been developed by Insect Shield, Inc., that allows clothing to retain insecticidal activity for over 70 washes.
This study provides preliminary evidence that long-lasting permethrin-impregnated clothing may be highly effective against tick bites.
One of the most frustrating aspects of the measurement of severe pyroshock events is the acceleration offset that almost invariably occurs. Dependent on its magnitude, this can result in large, low-frequency errors in both shock response spectra (SRS) and velocity-based damage analyses.
Fortunately, recent developments in accelerometer technology, signal conditioning, and data acquisition systems have reduced these errors significantly. Best practices have been demonstrated to produce offset errors less than 0.25% of Peak-Peak value in measured near-field pyrotechnic accelerations: a remarkable achievement.
This paper will discuss the sensing technologies, including both piezoelectric and piezoresistive, that have come together to minimize these offsets. More important, it will document the many other potential contributors to these offsets. Included among these are accelerometer mounting issues, cable and connector sources, signal conditioning amplitude range/bandwidth, and digitizi
When Verizon wanted to add new digital and internet-connected kiosks around New York City, they turned to Boyce Technologies and Boyce turned to 3D printing to save them time and money.
Boyce Technologies is one of the leading manufacturers of security and communication equipment for the mass transit market in New York. Since incorporating large-format 3D printing, Boyce has seen firsthand how 3D printing helps compress the design, engineering, and production time so they can meet tighter deadlines and get to production faster. Boyce uses its BigRep large-format 3D printers across a variety of applications including prototyping, end-use parts, and vacuum forming molds.
Download now to discover:
Best practices for integrating 3D printing
How a prototyping exercise turned into end use parts for Verizon kiosks around New York City
Case studies for end use parts, molds, and prototypes
Making the business case for investing in AM
Published By: Clarion
Published Date: Oct 30, 2013
The Occupational Safety and Health Administration (OSHA) recently issued a new rule, effective September 2013, which updates OSHA’s 1971 workplace safety sign and tag formats with today’s best practice safety signage designs as defined by the latest American National Standards Institute (ANSI) Z535 standards.
The OSHA signage change means that, over time, as employers adopt the newer ANSI Z535 best practice safety tag and sign formats, the United States will increasingly have a single, national uniform system of hazard recognition. Safety signs installed in facilities and public
areas, temporary safety tags placed on equipment, and safety labels placed on products will all be designed using the same formatting principles.
The outcome of such consistency is expected to be significantly more effective communication in the workplace. That, in turn, should help achieve the objective of fewer accidents and more lives saved from tragedy.